This is why I don't feel guilty about "stealing" money from PayPal. That is to say, someone overcharged me $100 once (don't remember the context, but I think it was a service or late payment fee - had already paid for the product) and took it out of PayPal. It was a one-time charge so I never expected PayPal to pay them whatever they charge after that, but they did. So I just cancelled my account. They harassed me for a few years and gave up.

Now I had opportunity to take even more from them but didn't. Years later my account (not being used) was stolen by what I assume were some Indian scammers. I got it back but the scammers had spent $3000 for something. Not only did their fraud team charge back the $3000 to zero the account - they accidentally added another $3000 to my balance and - since I told them to really close the account this time - sent me a check for $3000. I was tempted to spend it but didn't want them coming after me for that much so I just voided it. I called to tell PayPal but the rep didn't seem like he knew what he was doing so they probably still think they owe me money.